A mortgage broker website is regulated content first and marketing content second. The FCA Financial Promotions Rules and the Mortgage Conduct of Business rules govern every claim that appears on the site, and templated mortgage-broker websites routinely carry copy that would not survive current compliance review. A properly-built broker website surfaces the FCA Register entry clearly, frames claims within the MCOB compliance frame, and converts the customer searching for first-time-buyer, remortgage, buy-to-let or specialist mortgage advice through dedicated landings rather than a generic homepage.
What is different about mortgage broker websites
Three things make mortgage-broker web design distinct from generic financial-services web design. First, the FCA permission landscape is specific — mortgage advice is regulated under MCOB rules, not the broader investment-advice rules under COBS. Templates that conflate the two regulatory frames produce non-compliant marketing copy. Second, the client-type search behaviour is granular — first-time buyers, remortgage customers, buy-to-let landlords, self-employed applicants, adverse-credit applicants, expats all search differently and convert from differently-positioned landings. Third, the whole-of-market vs panel positioning is a meaningful customer-trust signal — whole-of-market brokers can access most UK lenders while panel-only brokers are restricted to a subset, and customers benefit from knowing the difference.
What we ship for a mortgage broker
A bespoke mortgage broker website with the initial-call booking flow, client-type landing pages for first-time buyer, remortgage, buy-to-let, self-employed, contractor, adverse-credit, expat and any other specialism the broker holds, FCA Register integration with FRN rendered prominently, CeMAP / CertCII (MP) credentialing panel, whole-of-market or panel positioning statement, FCA Financial Promotions Rules compliance review across all copy, named broker profiles with FCA references and qualifications, the standard contact and service-area block, and the full FinancialService + Person + LocalBusiness + Service schema graph.
The FCA Register integration
The firm’s FRN (Financial Conduct Authority Reference Number) is rendered prominently on the homepage, in the footer, and linked to the live FCA Register entry. Individual brokers’ FCA references where applicable are linked similarly. The regulatory permissions are rendered correctly in line with FCA "authorised and regulated" wording requirements. The Financial Services Register is the authoritative source for verification and the website routes the customer’s due-diligence check directly to it rather than asking them to find it independently.
The MCOB compliance pass
Every claim on the site is reviewed against current Mortgage Conduct of Business rules and the broader Financial Promotions Rules. Past-performance claims accompanied by required wording. Projection and rate claims framed correctly. Incentive claims with the cost basis explained. Risk warnings with the FCA-required prominence. The "your home may be repossessed if you do not keep up repayments on your mortgage" warning rendered correctly on relevant pages. Compliance officer or external compliance consultant signs off pre-launch; the build ships compliance-ready rather than compliance-debt.
The whole-of-market positioning
A specific declaration of access: whole-of-market access (the broker can access most UK lenders, typically 80-100+ lenders including high-street, building societies, specialist lenders and challenger banks), panel access (the broker is restricted to a specific list of lenders — typically smaller panel of 15-40), or appointed-representative access (single-lender or single-network appointment). Customers benefit from knowing the access tier; whole-of-market positioning is a meaningful trust signal and panel positioning should be declared honestly with the actual panel composition if relevant.
The client-type landing architecture
Each client type the broker specialises in gets its own URL with the specific approach, typical lender panel, typical application timeline and the specialism credentialing where applicable. First-time buyer (Help to Buy, Shared Ownership, Lifetime ISA Mortgage, Help to Build) — typically the highest-volume landing for most brokers. Remortgage — different decision drivers (rate vs term, capital raising, product transfer) with the typical broker process. Buy-to-let — landlord-specific landing covering the BTL lending market, portfolio landlord rules, limited-company BTL, HMO mortgage. Self-employed mortgage — the typical self-employed lending market (typically 2-3 years accounts requirement, SA302 documentation), with the specialist lender list. Adverse-credit mortgage — for customers with CCJs, defaults, IVAs, with the specialist lender panel. Expat mortgage — for UK-passport holders living abroad, with the specialist international-lender market. Contractor mortgage — for day-rate or fixed-term contractors, with the specialist lender list that lends to contractors on day-rate.
What we deliberately do not build
No bespoke mortgage-comparison engine — broker software (Sourcing systems like Trigold, Twenty7Tec, Mortgage Brain, Iress XPlan) handles whole-of-market sourcing better than anything we would build. No "AI mortgage advice" gimmick — mortgage advice is regulated activity that cannot be delivered as an AI feature and the FCA would view automated-advice claims poorly. No live-chat — the considered-purchase audience does not respond to it for mortgage decisions.
Pricing for a mortgage broker website
Most independent single-broker or small-team mortgage broker firms land on Growth (£899) — the standard architecture with client-type landings, FCA integration, CeMAP credentialing, compliance-ready copy and schema. Larger broker firms with separate residential and commercial / BTL divisions, or networks with multiple appointed representatives, move to Pro (£1,499) for the multi-broker architecture. Launch tier (£499) rarely fits an FCA-authorised broker firm — the regulatory and content-depth requirements push past the single-scroll architecture.